You can always travel to Europe as a solo traveller that too under minimal budget. EMI totally depends upon from where are you taking (any travel agent, your bank).
Hey Debashi. I traveled to Europe alone last year. Visited Paris, Belgium, Netherlands, Germany, Czech Republic and Switzerland. I wasn't a part of any group per se, but I did my research. I followed Rick Steves Europe guide and downloaded offline maps of all the places I visited. Get your SIM card at the airport itself. Europe is safe, provided you plan you trip. All the best and happy planning ????